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MONEY SMART WEEK
BROWSE BY DATE
BROWSE BY EDUCATOR
BROWSE BY LOCATION
BROWSE BY TOPIC

MD CASH Academy classes are for adults who want to learn more about managing their financial lives.  We offer a wide range of classes for people who are interested in budgeting, managing debt, saving for the future, filing their taxes or managing their insurance. Our Educators and Partners provide fact based financial education without providing financial advice or selling any products or services. 
 
You must complete our free registration on the site in order to be able to sign-up for one of our classes online.

Upcoming events

    • 03 Mar 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 04 Mar 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    Participants will learn:
    -All about credit scores
    -How to get a credit report
    -How to rebuild credit
    -How to choose loan products
    -Ways to avoid predatory loans, as well as
    -How to manage debt.

    A Spanish translator will be available during this presentation.

    This class is provided by:Family Services, Inc., www.familyservicesagency.org

    Registration: Please contact Rossana Hilario at 301-840-3240 or rossana.hilario@fs-inc.org


    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors." 

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 05 Mar 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 07 Mar 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 23

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 07 Mar 2015
    • 9:15 AM - 12:30 PM
    • Charles County Library, West Branch,10405 O'Donnell Place Waldorf, Maryland 20603
    • 25

    This workshop is sponsored by the Charles County Saves Campaign, a partnership between the Charles County Public Libraries, University of MD Extension, SDM Investments, Farmers Insurance,  and GT Financial Services. Light refreshments will be served. 


    This workshop will provide attendees with an awareness of identity theft and account fraud, teach them how to protect their information and prevent ID theft, and provide them with the knowledge and tools they need to clean up and recover from the damage if they did become fraud victims.


    Seminar objectives:By the end of the seminar, attendees will understand:


    • The potential damage caused by ID theft and account fraud;
    • How ID theft and account fraud happen;
    • How to protect their personal data and avoid becoming victims;
    • How to recognize when fraud has occurred;
    • What their rights are regarding responsibility for fraudulent debts and other fraudulent activity;
    • What steps to take if they are, or believe them may become, a victim of identity theft; and
    • What resources are available to help consumers and victims.



    • 07 Mar 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 07 Mar 2015
    • 11:00 AM - 1:00 PM
    • Andrews Federal Credit Union Headquarters, 5711 Allentown Road, Suitland, MD 20746
    This workshop will provide you with an overview of credit reports and scores and how credit use now affects credit-ability later. Also, you'll understand the steps to improve and protect your credit and get information on getting out of debt through goal-setting and money management.

    Presented by Melissa Gardner, CCUFC.

    To register go HERE.
    • 10 Mar 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 11 Mar 2015
    • 1:00 PM - 2:30 PM
    • Howard County library/ 50+ Center, 6600 Cradlerock Way, Columbia, MD 21045
    • 25

    Description:

    Minimize your taxes and maximize your refund by understanding the deductions and credits for which you are eligible, including the Earned Income Tax Credit (EITC). The effects of the Affordable Care ACT (ACA) will also be covered. This lively workshop is taught by Roy Yenoli of MakingChange

    • 14 Mar 2015
    • 9:15 AM - 12:30 PM
    • Charles County Library, West Branch,10405 O'Donnell Place Waldorf, Maryland 20603
    • 25

    This workshop is sponsored by the Charles County Saves Campaign, a partnership between the Charles County Public Libraries, University of MD Extension, SDM Investments, Farmers Insurance,  and GT Financial Services. Light refreshments will be served. 


    This interactive workshop will provide attendees with practical tools and information to make more informed financial choices that will enable them to save more and spend less.


    Seminar objectives:By the end of the seminar, attendees will understand:


    • The difference between wants and needs;
    • How starting small in saving can grow to substantial savings and wealth;
    • How to utilize employer sponsored retirement to build wealth;
    • The risks and benefits of investing in the stock market; and
    • How millionaires have created wealth.




    • 14 Mar 2015
    • 10:00 AM - 1:00 PM
    • Long Reach High School 6101 Old Dobbin Road Columbia

    FREE Financial Education Activities For The Entire Family


    You'll have access to information and services ranging from a variety of topics such as:

     

    ■ Living Within Your Means
    ■ College Funding Options
    ■ Planning for Retirement
    ■ Caring for Aging Parents
    ■ Financial Planning
    ■ Credit Report Services
    ■ Money Skills for Students
    ■ Free Tax Preparation

    Workshops ■ Exhibitors ■ Entertainment ■ Refreshments


    For more info please call  443-718-9350 or visit www.makingchangecenter.org

    • 17 Mar 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 21 Mar 2015
    • 9:15 AM - 12:30 PM
    • Charles County Library, West Branch,10405 O'Donnell Place Waldorf, Maryland 20603
    • 24

    This workshop is sponsored by the Charles County Saves Campaign, a partnership between the Charles County Public Libraries, University of MD Extension, SDM Investments, Farmers Insurance,  and GT Financial Services. Light refreshments will be served. 


    This interactive workshop will provide attendees with practical tools and information to make more informed financial choices that will enable them to save more and spend less.


    Seminar objectives:By the end of the seminar, attendees will understand:


    • The difference between wants and needs;
    • How starting small in saving can grow to substantial savings and wealth;
    • How to utilize employer sponsored retirement to build wealth;
    • The risks and benefits of investing in the stock market; and
    • How millionaires have created wealth.




    • 21 Mar 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 24 Mar 2015
    • 5:30 PM - 7:30 PM
    • Eastside CDC, Inc. 7835 Eastern Ave.- Ste.302 Baltimore, MD 21224
    Workshop Goal: Learn and take control of your financial future

    Topics to be covered:
    Basics of Banking
    Using Credit
    Money management/Budgeting/Saving
    Understanding Credit and credit repair
    Fair Housing Act
    What can I afford for rent or mortgage
    Prepare for one on one individual session
    Receive certificate of completion

    Workshop Coordinator:
    Mark Kopatch
    Programs Manager, Eastside CDC, Inc.


    Please call their office to register
    410-284-9861

    • 26 Mar 2015
    • 10:00 AM - 11:30 AM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 01 Apr 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The Federal Trade Commission reports that nearly 9 million Americans have their identities stolen every year. Don’t be one of these statistics. Learn how you can better protect your information and ultimately, your identity.

    Participants will learn:
    -Ways to make smart consumer choices, whether buying at thrift stores, shopping for a car, household items,  groceries or saving money, and
    -How to avoid common consumer scams such as ID
    Theft, Work at Home scams, Credit Repair scams and more.


    This class is provided by: Family Services, Inc.,www.familyservicesagency.org

    Registration: Please contact Rossana Hilario at 301-840-3240 or rossana.hilario@fs-inc.org


    A Spanish translator will be available during this presentation.

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."  

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

    • 02 Apr 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 04 Apr 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 04 Apr 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 07 Apr 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 11 Apr 2015
    • 11:30 AM - 1:30 PM
    • Andrews Federal Credit Union Headquarters, 5711 Allentown Road, Suitland, MD 20746
    Part seminar, part interactive learning, teens ages 14–18 years old will gain an understanding of financial topics such as: checking accounts, savings accounts, online banking, debit cards, credit reports & scores, loans, investing, budgeting, and more!

    Presented by Melissa Gardner, CCUFC.

    To register go HERE.
    • 14 Apr 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 18 Apr 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 20 Apr 2015
    • 3:30 PM - 4:30 PM
    • Albert S. Cook Library. Towson Univ. 8000 York Rd. Towson, MD 21252. computer classroom (CK317
    • 25

    In honor of Money Smart Week, Randi Gosselin, Certified Credit Counselor and Student Loan Counselor of Navicore Solutions, will go over what every student should know:


    Budgeting

    Dealing with Debt

    Money Management Action 

    Budget for Life After Graduation (if time allows) 



    For a hands-on experience, participants will have the opportunity to pull up their own credit report.



    • 21 Apr 2015
    • 6:00 PM - 7:00 PM
    • Albert S. Cook Library. Towson Univ. 8000 York Rd. Towson, MD 21252. computer classroom (CK317)
    • 25

    In honor of Money Smart Week, Mark Kopatch, Programs Manager of Eastside CDC, Inc. will speak at Towson University to explain about credit and the pitfalls of Debt, and share Budgeting and Saving Techniques.


    The class will discuss the nature of credit, how to establish and maintain good credit through good choices, and how to repair bad credit. Also, we will discuss the opportunities and pitfalls of debt. Lastly, how to manage money, importance of budgeting and practical techniques, and savings importance and techniques for the future.


    Mark will also give information on helpful websites and how to participate in free Financial Fitness and Coaching programs and First Time Homebuyers programs after college to assist in major life choices.

    • 21 Apr 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 23 Apr 2015
    • 10:00 AM - 11:30 AM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 23 Apr 2015
    • 7:00 PM - 8:30 PM
    • Calvert Library 850 Costley Way Prince Frederick, MD 20678



    Come learn all about Credit:


    Credit Reports, Credit Scores, Building Credit, and Choosing Credit Products such as credit cards, car loans, student loans and mortgages



    Financial Educator- TBD

    • 27 Apr 2015
    • 7:00 PM - 8:30 PM
    • Howard County Library, Miller Branch, 9421 Frederick Rd Ellicott City, MD 21042
    • 25

    Description:

     

    Does investing seem like alphabet soup? Do you know the difference between an ETF and a MF, or a MMF from a CD? Are you risk averse and worried about losing money? Roy Yenoli of MakingChange presents an overview of the basics of investing.



    • 02 May 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 05 May 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 06 May 2015
    • 6:00 PM - 7:30 PM
    • Baltimore County Public Library,Randallstown Branch 8604 Liberty Road Randallstown, Maryland 21133
    • 25

    Foreclosure Prevention


    A HUD certified housing counselor from CCCS of MD & DE will be the presenter. They will help you understand what steps you must take if you are facing foreclosure.
    · Where to turn for help

    · What options you may have – refinance, reinstatement, forbearance, repayment plan, loan modification, short sale, deed-in-lieu foreclosure, assumption, bankruptcy

    · Explaining the process and timeline

    · How a housing counselor may be able to help you

    · How to avoid fraud and scams

    • 07 May 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 09 May 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 12 May 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 16 May 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 19 May 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 28 May 2015
    • 10:00 AM - 11:30 AM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 02 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 04 Jun 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 06 Jun 2015
    • 10:00 AM - 4:00 PM
    • 12320 Parklawn Drive Rockville, MD 20852

    REGISTRATION: Please contact AAHC

    to reserve your seat


    *There is $50 fee- includes a "Manual for homebuyer" and a 2 hour one-on-one counseling and a certificate.

     

    (301) 760-7636

    www.aa-hc.org


    Why do I need to take the First Time Homebuyer Education Class?

     

    When you apply for Local/County/State mortgage programs, down payment assistance, or some lenders’ mortgage programs, you are required to complete a first time homebuyer (or homeownership) education class and obtain a certification. AAHC is in compliance with their requirements and we issue a certification at the completion of the class.


    You will learn Homebuying Steps from Start to Finish & How to Stay on Track as a Responsible Homeowner, including:

    • ​Personal Finance
    • Developing a spending plan to meet your financial goals
    • Understanding Credit
    • Working with the Lender and Real Estate Agent
    • Home Inspection and the role of the Inspector
    • Understanding Settlement Procedures

    • 09 Jun 2015
    • 5:00 PM - 6:30 PM
    • MC Dept of Health and Human Services Offices at 1301 Piccard Drive, Rockville, MD
    • 25

    Sponsored by the Montgomery County Alumnae Chapter (MCAC) of Delta Sigma Theta Sorority, Inc.


    Workshop coordinator:

    Sandra Allen

    economicdevelopment@mcacdst.org

    301-346-7030


    Daytime meetings:

    4th Thursday of each month

    10:00am-11:30am


    Evening meetings:

    2nd Tuesday of each month

    5:00pm-6:00pm



    • 16 Jun 2015
    • 6:00 PM - 8:00 PM
    • Catholic Charities, 12247 Georgia Avenue, Silver Spring, MD 20902
    • 20
    Money Matters (Budgeting)
    Understand how to manage money by preparing a personal spending plan and identifying ways to decrease spending and increase income.


    Asuntos de Dinero (Presupuesto) –en español
    Entienda cómo manejar su dinero, preparando un plan de gastos personales,  identificando maneras para reducir sus gastos e incrementar sus ingresos. 


    Tuesdays from 6:00 – 8:00 PM

    Martes de 6:00 – 8:00 PM

    English and Español 


    Registration required: call 301-942-1790 ext. 100

    No late admittance allowed after 6:10pm.


    Para registrarse llame al 301-942-1790 ext. 100 No se permitirán personas después de las 6:10pm


    This class is provided by Catholic Charities of the Archdiocese of Washington. For more than 80 years, families, children and adults in need of help and hope have been able to turn to Catholic Charities to find comprehensive, caring and competent  support. With 63 programs working in 48 locations across the District of Columbia and the surrounding Maryland counties, Catholic Charities is uniquely positioned to help families overcome poverty and isolation and empower those they serve to live self-sufficient and independent lives.


    • 20 Jun 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 18 Jul 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 01 Aug 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 06 Aug 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25
    Description: Increasingly, households across America are cutting costs and saving money. This workshop will explore common and not-so-common ways to maximizing your spending plan so you can "pump up your piggy bank" with savings.

    We'll discuss:
    • The pros and cons of various savings tools (from stashing the cash at home to savings bonds and bank deposit accounts)
    • The distinction between "spending less" and "saving," and
    • The wonders of compound interest. 
    Don't miss out on this exciting conversation about savings!

    • 15 Aug 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 03 Sep 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 05 Sep 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Have you ever dreamed about starting your
    own business but don’t know where to begin?
    This free workshop can help you make
    your dream a reality!

    Join Maryland CASH Campaign and UEDC 
    to learn how to start your own small business
    or legal side hustle!

    Topics to be Covered:
    How to structure your business
    Understanding business tax basics
    Community resources to help you get started


    Take charge of your financial future!

    • 19 Sep 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 01 Oct 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 03 Oct 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308, Suitland, MD 20746
    • 30

    Description:

    Are you finding that you are not completely sure where your money goes each month? 


    This workshop shows you how to manage your money by preparing a personal spending plan and identifying ways to decrease spending and increase income. Also helps identify ways you can save.

    • 17 Oct 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 05 Nov 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 07 Nov 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: No matter your net worth, it's important to have a basic estate plan in place. This free workshop can help you understand what you need to know about estate planning, including why you may need a will and assigning a power of attorney.

    • 21 Nov 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



    • 03 Dec 2015
    • 6:00 PM - 8:00 PM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 05 Dec 2015
    • 9:00 AM - 11:00 AM
    • Unity EDC 5801 Allentown Road #308 Suitland, MD 20746
    • 25

    Description: Are you ready to buy a home? This workshop gives you an overview of the home buying process, helps you decide if home-ownership is right for you and lets you know whether you can afford to buy a home now.

    • 19 Dec 2015
    • 12:00 PM - 5:00 PM
    • Prosperity Center at Bernard Brown Community Center, 629 N. Market Street, Frederick, MD 21701
    • 20
    FCAA Home buyers Education Workshop

    Are you interested in becoming a first time home buyer? If so, this workshop may be for you.

    Topics include:

    • Creating a Budget
    • Credit and how it effects mortgage applications
    • The complete home buying process
    • Closing on a home
    • Mortgage and down payment programs available to first time home buyers


    Interested individuals should contact Brad Petersen at 301-600-3966 or bpetersen@cityoffrederick.com in addition to registering at the MD CASH Academy.



    This class is provided by:

    The Fredrick Community Action Agency (FCAA), a HUD-Approved Housing Counseling Agency.  The FCAA is the federally designated Community Action Agency for Frederick County, Maryland, administers programs and services to assist disadvantaged and low-income people, thereby, ameliorating the causes and effects of poverty.



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